Insurance Training and Development Checklist

Run a NIPR roster check on every appointed producer. Flag anyone within 90 days of a CE deadline or below the state's required hours by line. Lapsed CE means lapsed license means no authority to bind — common cause of unauthorized-transaction findings at exam.

Build the year's regulatory matrix: NY Reg 187 best-interest training for life/annuity producers, anti-fraud plan training in NY/CA/FL/NJ/OH, NAIC suitability and annuity transaction training, NYDFS Part 500 cybersecurity awareness, GLBA Safeguards, and HIPAA where group health applies.

Underwriting, claims, and SIU leads each see different gaps. Common asks: ACORD form accuracy on commercial renewals, reserve cadence discipline, recorded-statement consent rules by state, Texas Chapter 542 prompt-pay timing for first-party claims.

Pull the most recent market conduct exam report, internal audit findings, and E&O loss runs. Repeat findings — late acknowledgements, missing OFAC at payment, COI errors — are the highest-ROI training topics.

Underwriters, adjusters, CSRs, and producers each need distinct objectives. Tie each objective to a measurable outcome — e.g., 'reduce ACORD 125 class-code errors by 30%' rather than 'improve commercial app quality.'

Cover appetite, hazard grades, binding authority limits, declination triggers, and form differences from comparable products. Include the SERFF filing posture in each state so producers know what's prior-approval vs file-and-use.

State-required CE typically needs an approved provider and tracked seat time. Internal product training can run as live workshops or recorded e-learning. Phishing and cybersecurity awareness usually run as quarterly micro-modules under Part 500.

Courses delivered for CE credit must come from a state-approved provider with a current course filing. Internal training counts toward CE only when the company is itself an approved provider for that line and state.

Assign courses by role and state so a producer in NY auto-receives Reg 187 and Part 500 modules while a TX-only adjuster receives Chapter 542 prompt-pay. Tag each course with the regulatory citation it satisfies for downstream reporting.

Only fires when a new product or line of business is launching this plan year. Producers cannot bind the new product until they've completed this workshop and the binding-authority addendum is on file.

NY, CA, FL, NJ, OH, NM, KY, LA, MN require an Anti-Fraud Plan filing with periodic refreshes. Cover red flags by line — staged auto loss patterns, contractor assignment-of-benefits in FL property, premium fraud at WC audit. SIU referral procedure must be in the deck.

NYDFS 23 NYCRR §500.14(b) requires regular cybersecurity awareness training for all personnel. Cover phishing, NPI handling, MFA on remote access, and the 72-hour notification trigger so frontline staff know what counts as a reportable cybersecurity event.

Fires only when completion fell below the threshold. Re-assign with a hard 10-business-day deadline; document the suspended-authority list for any producer who misses the second deadline.

Compare post-training metrics to the pre-training baseline — class-code error rate on ACORD 125, time-to-acknowledge on FNOL, late reserve updates, recorded-statement consent compliance. Loss-ratio movement on the targeted book is the lagging indicator.

Approved CE providers report completions through NIPR's CE reporting service within the state's deadline (often 10 days). Confirm each producer's transcript reflects the credits before the renewal cycle so no one's license lapses on a reporting delay.

Retention windows: most states require 5–7 years of training records for producers and adjusters; NYDFS Part 500 attestation records are kept for at least 5 years; anti-fraud training records align with the state's anti-fraud plan retention. Workers comp adjuster training can require longer retention.

Reflect the year's training delivery in the next Anti-Fraud Plan filing. Acquired carriers often inherit unfiled or stale plans — confirm whoever owns the filing has the current training summary before the state's filing deadline.

Sweep NAIC model law updates, NYDFS amendments, state DOI bulletins, and TRIA reauthorization developments. Tag any module whose source citation has changed for next cycle's redesign.